Maybe Fremont’s residents know something the rest of us don’t — the city has topped yet another ranking from personal finance website WalletHub, this time as the best city for overall financial health among residents.

The ranking compared 182 cities on 32 different metrics, including job security, non-mortgage debt and the share of households with emergency savings. Fremont was boosted by a best-in-the-nation 754 median credit score, as well as a .02 percent share of personal bankruptcies and 5.1 percent uninsured rate, the third and sixth best, respectively, among the cities measured.

Two other Bay Area cities landed in the top 10 for what WalletHub calls wallet fitness: San Francisco in third and San Jose in fourth. Both also had strong median credit scores — 745 in San Francisco and 730 in San Jose — and low shares of delinquent debtors and personal bankruptcies. However, Fremont had one of the worst unemployment rates among workers with a bachelor’s degree or higher — 11.2 percent. That was the 178th worst rate among the 182 cities analyzed.

Fremont, which with 235,000 residents is about a fifth the size of its bigger Bay Area neighbors, is no stranger to WalletHub’s rankings. In July, it was ranked as the least stressed city out of 182 analyzed by the website. In that ranking, the city stood out for having the lowest divorce rate and and second lowest poverty rate.

Maybe that laid-back lifestyle helped Fremont residents better appreciate the environment, because in October WalletHub ranked it as the seventh greenest city among the 100 biggest cities in the country. It tied for first place with Anchorage and Honolulu for the highest share of green space in the city.

WalletHub analyst Jill Gonzalez said those topics are all connected.

“Job security makes people feel safe in regards to money, and they can plan for things like retirement, and engage in cleaner, more sustainable living,” Gonzalez said in an email.

But Fremont’s wallet fitness metrics included some more troubling numbers. Residents’ mortgage debt as a share of median earnings was a whopping 469 percent, the 140th worst share in the nation. Given the median price of housing in the Bay Area, that’s not surprising.

Leonardo Castañeda is a reporter covering demographics and the income divide as part of The Mercury News’ Living in the Bay Area team. He graduated from San Diego State University with degrees in journalism and economics, and previously reported in America’s Finest City. He also speaks Spanish, holds strong opinions about burritos and can be reached at 408-920-5012.

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